杨江英：银行业做好“科技金融”大文章，助力科技强国建设

Core Viewpoint - The conference emphasizes the importance of financial support for technological innovation and the need for a collaborative financial ecosystem to enhance the development of new productive forces in the economy [2][4]. Group 1: Economic Achievements and Projections - Since the 14th Five-Year Plan, China's economy has made significant achievements, with GDP expected to reach approximately 140 trillion yuan by 2025, an increase of nearly 40 trillion yuan compared to the end of the 13th Five-Year Plan [3]. - China has improved its global innovation index ranking from 34th in 2012 to 10th in 2025, becoming one of the fastest-growing economies in terms of innovation over the past decade [3]. - The number of patent applications based on the Patent Cooperation Treaty is projected to reach 70,160 in 2024, surpassing the United States and Japan by 30% and 45%, respectively [3]. Group 2: Financial Support for Technology - The banking sector has recognized the political and social responsibilities of financial work, actively integrating into the broader economic context and enhancing policies to support technological innovation [3][4]. - The annual growth rate of technology loans has averaged 27.2% since the 14th Five-Year Plan, with a balance of technology loans reaching 44.1 trillion yuan by the end of Q2, a year-on-year increase of 12.5% [3]. - The weighted average interest rate for newly issued technology loans was 2.90% in June, lower than the average rate for all new corporate loans by 0.36 percentage points [3]. Group 3: Strategic Directions for Financial Institutions - The 20th National Congress of the Communist Party of China highlighted the goal of significantly improving the level of technological self-reliance and strengthening the development of various financial sectors, including technology finance [4]. - Financial institutions are encouraged to innovate and establish sustainable development models for technology finance, focusing on the unique characteristics of technology enterprises [5]. - A differentiated assessment and evaluation system for technology finance is proposed, emphasizing the importance of supporting technology enterprises through tailored financial products and services [6]. Group 4: Collaborative Financial Ecosystem - The banking sector is urged to promote a virtuous cycle of "technology-industry-finance" by directing more financial resources towards technological innovation and supporting the construction of a modern industrial system [7]. - Collaboration between large commercial banks and smaller banks is essential to create a multi-layered, sustainable technology finance service system, leveraging their respective strengths [9][10]. - The establishment of a technology finance ecosystem involving various financial instruments and partnerships is crucial for providing comprehensive financial services to technology enterprises [10].